#bis

Wie verschuldet die Regierungen, Haushalte und Unternehmen jeder Volkswirtschaft im Verhältnis zur Größe der Wirtschaft sind, live aus den offenen Statistiken der Bank für Internationalen Zahlungsausgleich abrufbar – kein API-Key, nichts wird gespeichert. Die Schuldenstandsquote ist der wichtigste Indikator für die Tragfähigkeit der Verschuldung: wie hoch die Schulden eines Kreditnehmers im Verhältnis zu den Einkünften sind, die sie bedienen müssen. Die BIZ veröffentlicht die gesamten Kredite als Anteil am BIP für den öffentlichen Gesamthaushalt, für private Haushalte, für nichtfinanzielle Unternehmen und für den privaten nichtfinanziellen Sektor insgesamt auf konsistenter länderübergreifender Basis. Der neueste Endpunkt gibt die aktuellsten Schuldenstandsquoten von Regierung, Haushalten, Unternehmen und des gesamten privaten Sektors für jedes abgedeckte Land zurück; der Länder-Endpunkt gibt die vier Sektorquoten eines Landes mit dem Referenzquartal zurück; der Verlaufs-Endpunkt gibt die Quartalsreihe eines ausgewählten Sektors zurück. Dies ist der makroökonomische Schnitt auf Verschuldungsebene / Hebelwirkung – zu unterscheiden von der Kredit-BIP-Lücke (wie stark die Kreditvergabe im Vergleich zum Trend ausgereizt ist), der Schuldendienstquote (den Kosten für die Bedienung dieser Schulden), dem Kreditwachstum (Kreditvolumen), dem Leitzins und den Devisen-APIs im Katalog. Ein Land ist ein BIZ-Referenzgebiet (US, GB, DE, JP …) angegeben als ISO-2-Code oder gebräuchlicher Name; die Daten sind vierteljährlich mit der üblichen statistischen Verzögerung.

api.oanor.com/debttogdp-api

How much of a country's income goes to servicing debt — interest plus principal — read live from the Bank for International Settlements' open statistics, no key, nothing stored. The credit-to-GDP gap measures how much debt has built up; the debt service ratio (DSR) measures how heavy it is to carry. It is the share of income that borrowers must spend each period just to keep current on their debts, and a high or rising DSR squeezes consumption and investment and has reliably led recessions. The BIS publishes the DSR for households, for non-financial corporations and for the private non-financial sector as a whole. The latest endpoint returns every covered country's most recent DSR for all three sectors; the country endpoint returns one country's household, corporate and total DSR with the reference quarter; the history endpoint returns the quarterly series for a chosen sector. This is the debt-burden / debt-service macro cut — distinct from the credit-to-GDP gap (debt build-up), the credit-growth (lending volumes), the bank-rate, money-supply and FX APIs in the catalogue. A country is a BIS reference area (US, GB, DE, JP …) given as an ISO-2 code or a common name; data is quarterly with the usual statistical lag.

api.oanor.com/debtservice-api

How far each country's private-sector credit has run above or below its long-run trend — the single best early-warning indicator for banking crises — read live from the Bank for International Settlements' open statistics, no key, nothing stored. The credit-to-GDP gap is the difference between the credit-to-GDP ratio and its long-term trend, and the Basel Committee uses it to set the countercyclical capital buffer: a gap above roughly 10 points has historically preceded credit busts, while a deeply negative gap means an economy is still deleveraging. The latest endpoint returns every covered country's most recent gap together with its actual credit-to-GDP ratio and a risk band; the country endpoint returns one country's gap, the underlying ratio and trend and a risk label; the history endpoint returns the quarterly gap time series. This is the credit-gap / financial-stability macro cut — distinct from the euro-area credit-growth (lending volumes), the bank-rate, money-supply, central-bank policy-rate and FX APIs in the catalogue. It measures the build-up of financial-stability risk, not the level of rates. A country is a BIS reference area (US, GB, DE, JP …) given as an ISO-2 code or a common name; data is quarterly with the usual statistical lag.

api.oanor.com/creditgap-api

How house prices are moving across the world's economies, read live from the Bank for International Settlements' Selected Residential Property Prices dataset. For roughly 60 countries the BIS publishes a quarterly residential property price index — both nominal and real (inflation-adjusted) — together with its year-on-year change. The latest endpoint returns every country's most recent reading at once — the nominal and real index plus the nominal and real year-on-year growth — sortable by nominal or real YoY so you instantly see which housing markets are heating up and which are cooling once you strip out inflation. The country endpoint returns a single country's latest reading; the history endpoint returns its quarterly index time series (nominal and real) so you can chart a market over time. Countries are given as ISO-2 codes (US, DE, GB, JP) or common names (xm is the euro area). The nominal index is the headline price level; the real index is deflated by consumer prices, so a negative real YoY means prices are falling after inflation even when the nominal index still rises. This is the real-estate / property-price macro data-cut — distinct from the FX-rate, central-bank, yield-curve, commodity and equity-index APIs in the catalogue. Live source, no key required upstream, nothing stored.

api.oanor.com/houseprices-api

How strong each currency is on a trade-weighted basis, served live from the Bank for International Settlements' open statistics API — no key, nothing cached. An effective exchange rate (EER) measures a currency against a basket of its trading partners' currencies, not just one pair — it is the single best gauge of whether a currency is broadly strengthening or weakening. The BIS publishes nominal and real (inflation-adjusted) EER indices for 64 economies, against a broad (64-economy) or narrow (27-economy) basket, all on a base of 100. The rankings endpoint returns every economy's current EER index, ranked, so you can see the world's strongest and weakest currencies at a glance. The country endpoint returns one economy's EER index with its history and its 12-month change. The movers endpoint ranks the biggest currency gainers and losers over the past year — who has appreciated and who has depreciated most. Everything is the BIS's own compiled data, live, nothing stored; figures are monthly. This is the trade-weighted currency-strength layer for any forex, macro, trade or research app. Distinct from bilateral FX-rate and central-bank APIs — this is effective exchange rates: real and nominal trade-weighted currency strength, from the BIS. 3 endpoints, no key on our side.

api.oanor.com/eer-api

The headline interest rate of every major central bank in the world, side by side, served live from the Bank for International Settlements' open statistics API — no key, nothing cached. The BIS compiles the official policy rate for around 40 monetary authorities — the Federal Reserve, the ECB, the Bank of England, the Bank of Japan and dozens more — onto one consistent monthly series. The policy-rates endpoint returns the current rate for every central bank in a single call, ranked from highest to lowest, so you can see the whole global rate landscape at a glance: in mid-2026 Türkiye near 37% at the top and the US Federal Reserve around 3.6%. The country endpoint returns one central bank's policy rate with its full history and its latest move. The changes endpoint compares each bank's two most recent readings and reports who has hiked, who has cut and who is on hold, with the size of the move — the global rate-cycle dashboard. Everything is the BIS's own compiled data, live, nothing stored; rates are monthly. This is the global monetary-policy layer for any macro, fixed-income, forex or research app. Distinct from single-central-bank APIs — this is every central bank's policy rate in one place, from the BIS. 3 endpoints, no key on our side.

api.oanor.com/bis-api